SubDoc vs. Illumend (formerly myCOI): Self-Service AI vs. Enterprise Managed Compliance
In 2026, myCOI rebranded to Illumend (illumend.ai) and repositioned around an AI assistant called Lumie. This guide compares SubDoc and Illumend for subcontractor Certificate of Insurance (COI) tracking, covering the rebrand, AI OCR vs. managed review, vendor upload experience, and pricing transparency.
Is myCOI gone? No, it was rebranded. myCOI is now Illumend, and mycoitracking.com redirects to illumend.ai. Existing customers log in via a "Returning myCOI user?" link. The company describes Illumend as "from myCOI," powered by an AI assistant (Lumie) trained on its 16 years of compliance data.
SubDoc is best for contractors and property managers who want self-service COI tracking they can start today, AI OCR that parses ACORD 25 certificates in seconds, passwordless vendor upload links, and transparent pricing with a free tier. Illumend (formerly myCOI) is best for large enterprises that want a managed, AI-guided compliance program with dedicated onboarding and are comfortable with a demo-led, quote-based enterprise contract.
1. What changed: myCOI is now Illumend
myCOI, one of the longest-running names in insurance-compliance software, rebranded to Illumend in 2026. The change is more than a name: the company is leaning into AI with Lumie, an assistant it says is "trained on 16 years of compliance expertise from myCOI," and it markets Illumend across industries such as construction, commercial real estate, retail, utilities, and government. The core go-to-market remains enterprise and demo-led rather than self-service.
For anyone currently searching for "myCOI," the practical takeaway is simple: you'll land on Illumend. If you were evaluating myCOI for subcontractor COI tracking, the comparison below still applies, just under the new brand.
2. Self-service AI OCR vs. a managed, AI-guided program
SubDoc (Self-Service AI)
You upload an ACORD 25 certificate and SubDoc's AI OCR extracts carriers, policy numbers, coverage limits, effective and expiration dates, and endorsement flags in seconds, shown next to the original PDF for one-click approval. There is no queue and no waiting on a third-party team.
Illumend (Managed + Lumie AI)
Illumend pairs its Lumie AI assistant with managed compliance workflows, positioned for enterprise risk, compliance, and finance teams. Getting started is demo-led, and the program is designed to be run with Illumend's guidance rather than configured entirely by a self-service admin.
3. Pricing: published and free-to-start vs. quote-based
One of the clearest differences is how you buy. SubDoc publishes its pricing and lets you begin without talking to sales; Illumend's primary call to action is "Schedule Demo," and no public pricing or free tier is listed.
SubDoc
Free tier for up to 3 active vendors ($0, forever). Pro is $20/month (with a $14/month introductory rate for the first 3 months) for up to 100 vendors, and Advanced covers unlimited vendors. No sales call required to start.
Illumend
Quote-based enterprise pricing; no public self-service tier or free plan is listed on illumend.ai. Pricing is scoped through a demo, consistent with its enterprise, managed positioning as myCOI.
4. Vendor upload experience
Getting subcontractors to actually submit their certificates is where most tracking programs stall. SubDoc removes the login entirely: vendors get a passwordless magic link and can upload a PDF, or hand the request to their broker, in under a minute.
5. Side-by-side feature comparison
| Feature / Capability | SubDoc | Illumend (formerly myCOI) |
|---|---|---|
| Company | SubDoc | Illumend (rebranded from myCOI in 2026) |
| Operational Model | Self-service software (AI OCR) | Enterprise, managed, AI-guided (Lumie) |
| Getting Started | Sign up and use in minutes | Schedule a demo (sales-led) |
| Document Verification | Instant AI OCR extraction (seconds) | AI assistant + managed compliance workflow |
| Pricing Transparency | Published: Free ($0 up to 3 vendors) / Pro from $20/mo ($14/mo intro) | Quote-based, no public pricing |
| Free Tier | Yes (up to 3 active vendors, forever) | None listed |
| Vendor Submission UX | Passwordless magic link + broker invite | Managed portal workflow |
| Endorsement Checks | Additional Insured, Waiver of Subrogation, P&NC | Managed compliance review |
| Accounting Payment Holds | 1-click CSV export for QuickBooks & Sage | Enterprise integrations |
| Best For | SMB to mid-market GCs & property managers | Large enterprises wanting a managed program |
Illumend details are based on publicly available information on illumend.ai as of August 2026 and may change. SubDoc details reflect current published pricing and features.
6. Who should choose which
Choose SubDoc if you want
- To start today without a demo or sales cycle.
- Transparent pricing and a real free tier.
- Instant AI OCR instead of a managed review queue.
- Passwordless vendor uploads to reduce drop-off.
Choose Illumend if you want
- A managed program with dedicated onboarding.
- An AI-guided workflow via the Lumie assistant.
- Deep enterprise/industry compliance configurations.
- An established vendor with a long compliance track record.
Frequently asked questions: SubDoc vs. Illumend
Yes. Illumend (illumend.ai) is the rebrand of myCOI. The old domain mycoitracking.com now redirects to illumend.ai, existing customers are prompted with a 'Returning myCOI user? Log in' link, and the company markets Illumend as 'from myCOI' with an AI assistant named Lumie trained on its 16 years of compliance data. The underlying product and enterprise, demo-led go-to-market are the same lineage.
SubDoc is a self-service software platform: you sign up, upload ACORD 25 certificates, and its AI OCR extracts carriers, policy numbers, coverage limits, and expiration dates in seconds, with a free tier and transparent published pricing. Illumend (formerly myCOI) is an enterprise, demo-led platform built around its Lumie AI assistant and managed compliance workflows, with quote-based pricing and no public self-service free tier.
No public free tier is listed on illumend.ai; the primary call to action is 'Schedule Demo,' indicating a sales-led, quote-based model. SubDoc publishes its pricing openly and offers a free tier for up to 3 active vendors, with Pro plans that you can start without a sales call.
Lumie is Illumend's AI assistant, described as trained on 16 years of myCOI compliance expertise to guide the review workflow. SubDoc uses AI OCR to read ACORD 25 certificates directly and surface extracted fields side-by-side with the PDF for one-click admin approval, so a person verifies each certificate in seconds rather than routing it through a managed queue.
Yes. SubDoc sends passwordless magic links by email; subcontractors and their brokers upload a PDF in under a minute with no account or login. This removes the biggest source of vendor drop-off during onboarding.
Illumend is a stronger fit for large enterprises that want a managed, AI-guided compliance program with dedicated onboarding, deep industry-specific workflows, and are comfortable with quote-based enterprise contracts. SubDoc is the better fit for contractors and property managers who want immediate self-service control, instant AI OCR, transparent pricing, and no sales cycle.
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